JDT Inc

5. Fees and Compensation

Fees are a maximum of two percent of assets under management. All fees are negotiable. Fees
for multiple accounts may be combined and taken from one account to be chosen by Invest Inc.
unless otherwise stated by client. Fees will be billed quarterly on a calendar quarter based on
the value of the account as reported by the custodian at the end of the previous quarter. Fees
to friends or family may be waived or reduced.

New or terminated clients will have fees prorated for actual days services were provided during
any particular quarter. Clients may terminate at any time. Upon termination of Client Agreement,
fees (if any) collected in advance of services, shall be prorated and the excess returned to the Client.

Any services performed on an hourly rate will be billed at a rate of $75-$300 an hour. This
includes services for financial planning. All hourly fees are billed and collected after work
performed.

Invest, Inc. does not accept commissions. Clients have the option to purchase securities and
other instruments through a broker-dealer of their choice. Doing so may result in a more
favorable execution and lower cost. Clients may pay additional expenses related to transactions and
investment products. The fees charged by broker-dealers and investment companies are separate and
distinct from Invest, Inc. advisory fees. Invest does not share in any portion of these custodial,
brokerage, and transaction charges.

For clients billed on an Asset Under Management agreement:

        Portfolio’s will be charged 1% of assets under management. The fee will be calculated by
        multiplying the quarters ending assets under management by .0025. Any capital inflows or
        outflows will be prorated in the calculation. Fees will be rounded to the nearest dollar.

All fees are billed quarterly in arrears.

7. Types of Clients

Invest, Inc. generally provides financial supervisory services or financial planning services to
individuals and corporations or business entities. These services are provided to a national
clientele. Invest, Inc. provides its investment advisory services to a wide range of clients. Invest,
Inc. does not impose a minimum dollar value of assets or other conditions for starting or
maintaining an account.